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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,856 | $77,816-61.6% | $123,552-75.8% | $64,173-53.5% |
| Participation rate | 49.2% | 74.7%-25.5pp | 82.3%-33.1pp | 69.6%-20.4pp |
| Annual return | -9.58% | 12.49%-22.1pp | 119.20%-128.8pp | 7.63%-17.2pp |
| Employer contribution / active EE | $1,482 | $3,014-50.8% | $4,628-68.0% | $2,381-37.7% |
| Participant deferral / active EE | $3,497 | $5,240-33.3% | $6,426-45.6% | $3,470+0.8% |
| Admin fee / account holder | $1,402 | $5,519-74.6% | $9,285-84.9% | $4,887-71.3% |